Located along Interstate 35 on the northern tip of the Dallas-Fort Worth Metroplex, Denton, Texas, is home to almost 150,000 residents. Incorporated in 1866, it’s no stranger to periods of rapid growth, experiencing one with the arrival of a railroad line in 1881 and another nearly a century later after completion of the Dallas/Fort Worth International Airport. It has been noted as one of the country’s fastest-growing cities. One thing to be sure of in Texas is where there are a lot of people, there are a lot of drivers. Having car insurance in Denton TX, is important for those who live and work in the county seat of Denton County, the ninth most populous in the state.
Denton is also home to two major universities, the University of North Texas, and Texas Women’s University. With over 40,000 students in the area, it is a certified college town. Events such as the North Texas State Fair and Rodeo, the Denton Arts and Jazz Festival, and the 35 Denton Music Festival cement the city’s status as a tourist destination, attracting over 300,000 visitors each year. A wealth of young drivers and traveling music lovers make car insurance in Denton TX, a must-have for Dentonites.
Why Do You Need Car Insurance in Denton, TX?
Car insurance provides financial protection against bodily injuries and damages for those who operate vehicles. In Texas, drivers are required to have a certain amount of liability insurance. You likely don’t have hundreds of thousands of dollars to cover an incident or vehicle. Without insurance, you could have your driving privileges withdrawn or have your car impounded, both of which would be most inconvenient for a commuting Dentonite. You could also be subject to fines which can add to the financial burden of having to pay out of pocket for vehicle repair or replacement. Think of car insurance in Denton TX, as essential as having working air conditioning during a sweltering North Texas summer. Do You Need Dallas Auto Insurance?
What's in a Car Insurance Policy?
A typical car insurance policy will include the following coverages:
Collision: Should your vehicle be damaged or totaled in a collision, this feature covers you for the expenses associated with repair or replacement.
Comprehensive: Collision isn’t the only threat to your personal vehicle. Comprehensive coverage addresses theft, vandalism and other damage not associated with a crash.
Bodily injury: Car accidents often involve injuries to drivers and passengers. Bodily injury liability covers any injuries to others while you or other insured household members were driving. A minimum coverage rule is in place in Texas, known as the 30/60/25 coverage rule. You’ll need at least $30,000 of coverage per person, as much as $60,000 per accident and $25,000 to cover property damage.
Medical bills: This policy benefit covers medical bills for the treatment of injuries. You can also use this protection to replace lost wages, lost services due to injury and even funeral costs. It’s also known as personal injury protection.
Property damage: If you’ve damaged another car or other objects, such as a building or other private property, property damage protection covers you.
Underinsured or uninsured motorist: Navigating U.S. Highway 380 or Interstate 35 puts you among hundreds of drivers at any time. If you’re ever in an accident with someone who has little to no car insurance in Denton TX, this coverage protects your wallet or pocketbook.
Some insurance policies include additional coverages for costs associated with towing and driving a rental car temporarily.
How Does HUB International Help?
HUB International provides peace of mind by providing tailored car insurance for Denton, TX drivers. Get a quote today.